{"id":84873,"date":"2026-03-26T13:46:17","date_gmt":"2026-03-26T05:46:17","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=84873"},"modified":"2026-04-28T15:22:40","modified_gmt":"2026-04-28T07:22:40","slug":"amex-platinum-reserve-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/amex-platinum-reserve-card\/","title":{"rendered":"AMEX Platinum Reserve Card Singapore: Benefits, Fees & Is It Worth It? (2026)"},"content":{"rendered":"\n

The AMEX Platinum Reserve sits in an interesting spot in Singapore’s credit card landscape.<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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It’s not the flashiest card on the market \u2014 that title goes to the AMEX Platinum Charge Card at S$1,744 a year. But it’s also not a beginner card. At S$545 annually with an estimated income requirement of ~S$150,000, it’s clearly pitched at professionals who want premium perks without the eye-watering flagship price tag.<\/p>\n\n\n\n

So what do you actually get for your money? And is it worth it in 2026? Let’s break it down.<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

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\u26a1 TL;DR: AMEX Platinum Reserve Card<\/strong> at a Glance<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
Card type<\/strong><\/td>Credit card (revolving)<\/td><\/tr>
Annual fee<\/strong><\/td>S$545 (incl. 9% GST)<\/td><\/tr>
Foreign transaction fee<\/strong><\/td>3.25% on overseas transactions<\/td><\/tr>
Supplementary cards<\/strong><\/td>First 2 permanently fee-waived<\/td><\/tr>
Income requirement<\/strong><\/td>Not published by AMEX; estimated ~S$150,000 p.a.*<\/td><\/tr>
Rewards earn rate<\/strong><\/td>2 MR points per S$1.60; 10 MR points per S$1.60 at 10Xcelerator Partners<\/td><\/tr>
Lounge access<\/strong><\/td>None \u2014 exclusive to the AMEX Platinum Charge Card<\/td><\/tr>
Key lifestyle perks<\/strong><\/td>Tower Club access, Comoclub C4 membership, Frasers hotel night, Love Dining, golf, Chillax bars, spa privileges, travel insurance<\/td><\/tr>
Foreign transaction fee<\/strong><\/td>3.25%<\/td><\/tr>
Best for<\/strong><\/td>Singapore-based professionals who value local lifestyle and dining perks<\/td><\/tr>
Not ideal for<\/strong><\/td>Frequent travellers seeking lounge access or overseas spend rewards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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AMEX does not publish income requirements. The ~S$150,000 figure is a community-sourced estimate. Approval is subject to AMEX’s internal assessment.<\/em><\/p>\n\n\n\n

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\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
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  1. What Is the AMEX Platinum Reserve Card?<\/strong><\/a><\/li>\n\n\n\n
  2. AMEX Platinum Reserve Benefits<\/strong><\/a><\/li>\n\n\n\n
  3. AMEX Platinum Reserve Lounge Access<\/strong><\/a><\/li>\n\n\n\n
  4. AMEX Platinum Reserve Annual Fee<\/strong><\/a><\/li>\n\n\n\n
  5. AMEX Platinum Reserve Income Requirement<\/strong><\/a><\/li>\n\n\n\n
  6. AMEX Platinum vs Reserve: What’s the Difference?<\/strong><\/a><\/li>\n\n\n\n
  7. How Hard Is It to Get the AMEX Reserve Card?<\/strong><\/a><\/li>\n\n\n\n
  8. Which Is the Hardest AMEX Card to Get?<\/strong><\/a><\/li>\n\n\n\n
  9. Is the AMEX Platinum Reserve Worth It?<\/strong><\/a><\/li>\n\n\n\n
  10. FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    What is the AMEX Platinum Reserve Card?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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    \"AMEX<\/figure>\n<\/div>\n\n\n

    Image credits: American Express<\/em><\/p>\n\n\n\n

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    The American Express Platinum Reserve Credit Card is the mid-tier card in AMEX Singapore’s personal Platinum lineup \u2014 sitting below the flagship AMEX Platinum Charge Card (S$1,744\/year)<\/strong> and above the entry-level AMEX Platinum Credit Card (S$327\/year)<\/strong>.<\/p>\n\n\n\n